View 2020 BMW 6 Series Gran Coupe Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 29, 2024

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Perplexed by the crazy number of car insurance providers that you can choose from? Many other drivers are as well. You have such a vast assortment of providers available that it can be a difficult mission to find the lowest price.

It’s a good habit to get comparison quotes before your next renewal because car insurance prices tend to go up over time. If you had the best deal for 6 Series Gran Coupe insurance a few years ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about car insurance because I’m going to teach you the best way to save money, get proper coverage and the best rates.

Finding the best rates is quite easy. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. But car owners do need to learn the way insurance companies market insurance on the web and use this information to your advantage.

Seven tips to get more affordable insurance prices

Many factors are used when you get a price on insurance. A few of the factors are predictable like an MVR report, although others are more obscure like your vehicle usage or how safe your car is. When buying auto insurance it’s important to understand the rating factors that are used to determine the level of your policy premiums. If you have a feel for what impacts premium levels, this allows you to make educated decisions that could result in lower auto insurance prices.

  • File a claims and pay more – Companies give the best rates to insureds that do not abuse their auto insurance. If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Job stress can affect rates – Occupations such as doctors, business owners and emergency personnel are shown to have the highest rates attributed to intense work situations and lots of time spent at work. Conversely, occupations such as actors, engineers and homemakers generally pay rates lower than average for 6 Series Gran Coupe insurance.
  • How many coverages with the same company – Most auto insurance companies give better rates to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount applied, it’s in your best interest to check prices from other companies to verify if the discount is saving money. You may still be able to save more without the discount by buying from different companies.
  • Gender matters – Statistics have proven females are less aggressive when driving. This data doesn’t prove that women are better drivers. They both get in auto accidents in similar percentages, but males have accidents that have higher claims. Men also statistically get higher numbers of serious violations such as reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
  • If you don’t need it don’t buy it – Insurance policies have a lot of extra coverages that can add up on your 2020 6 Series Gran Coupe policy. Add-on coverages like vanishing deductibles, better glass coverage, and motor club memberships may not be needed and are just wasting money. You may think they are a good idea when buying your policy, but now you might not need them so remove them from your policy.
  • Commute or pleasure use – The higher the miles on your BMW each year the more you will pay for auto insurance. The majority of insurers charge rates determined by how the vehicle is used. Autos that are left in the garage qualify for better rates than those that get driven frequently. Make sure your policy is showing the right rating data. A policy that improperly rates your 6 Series Gran Coupe can cost quite a bit.
  • The higher your credit score the lower your rates – Having a good credit score factor in determining premium rates. Drivers with very good credit scores tend to be better drivers and file fewer claims than drivers with bad credit. Therefore, if your credit rating can be improved, you may save money insuring your 2020 BMW 6 Series Gran Coupe by repairing your credit.

The method we recommend to get rate comparisons is to understand all the major auto insurance companies actually pay money for the chance to give rate comparisons. All consumers are required to do is give them some information such as your occupation, driver details, if a SR-22 is required, and if it has an anti-theft system. The rating information is submitted instantly to insurance companies and you should receive rate quotes with very little delay.

Save $476 a year? Really?

Well-known insurance coverage companies like Progressive, Allstate and GEICO seem to constantly run television and radio advertisements. They all seem to make the promise about how much you will save if you get a free car insurance quote and switch your policy. Is it even possible that every company can charge you a lower premium?

All the different companies require specific criteria for the right customer that will be a good risk. For instance, a driver they prefer should be a female over age 40, owns their home, and drives newer vehicles. Anybody that matches those criteria receive the lowest rate quotes and will save when switching.

Potential customers who do not match this ideal profile will have to pay higher premium rates which translates to the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that much. This is how insurance companies can claim big savings. Because each company has a different risk profile, it is so important to compare free car insurance quotes often. It is impossible to guess which insurance companies will provide you with the cheapest rates.

Don’t overlook these auto insurance discounts

Some insurers do not list all possible discounts very clearly, so the next list breaks down some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

  • One Accident Forgiven – Not really a discount, but some companies like Progressive, Allstate, and Liberty Mutual will forgive one accident without getting socked with a rate hike if your claims history is clear prior to the accident.
  • Active Military Service – Being deployed in the military could qualify you for better prices.
  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.
  • 55 and Retired – Mature drivers could receive a small discount on rates for 6 Series Gran Coupe insurance.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid the installment charge.
  • Federal Government Employee – Active or former government employment may reduce rates when you quote car insurance for 6 Series Gran Coupe insurance with select insurance companies.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, you’re out of luck.

A partial list of companies that may offer quotes with these discounts include:

  • Farm Bureau
  • MetLife
  • Progressive
  • AAA
  • American Family
  • State Farm

When getting free car insurance quotes, it’s a good idea to each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policies in every state.

When to get professional advice

When it comes to buying adequate coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

  • If my pet gets injured in an accident are they covered?
  • Where can I get insurance after a DUI in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • What discounts do I qualify for?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How much can I save by bundling my policies?
  • Am I insured when driving a different vehicle?
  • How much liability do I need to cover my assets?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code.

Car insurance 101

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your BMW 6 Series Gran Coupe.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses like dental work, pain medications, rehabilitation expenses and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle, hail damage and vandalism. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims like pain and suffering, medical expenses and bail bonds. How much coverage you buy is up to you, but you should buy as much as you can afford.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, hitting a parking meter, scraping a guard rail, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Be a Smart Shopper

Drivers who switch companies do it for many reasons like being labeled a high risk driver, unfair underwriting practices, delays in responding to claim requests or even denial of a claim. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

We’ve covered a lot of ways to lower your 2020 BMW 6 Series Gran Coupe insurance prices. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the biggest savings come from a small mutual company.

The cheapest 2020 BMW 6 Series Gran Coupe insurance is definitely available both online and from local agencies, so you should compare both in order to have the best price selection to choose from. A few companies do not provide internet price quotes and usually these small insurance companies sell through local independent agents.

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